45 Best Parallex Bank API Alternatives & Competitors

1. Pixabay API

Banking & Fintech, Development Tools, Utility Tools

Pixabay API provides programmatic access to over 4 million free stock images, videos, illustrations, and vector graphics contributed by the Pixabay community under an extremely permissive license. All content on Pixabay is free to use for commercial and non-commercial purposes without attribution — no copyright fees, no royalties, and no licensing agreements required. This makes Pixabay one of the most practically useful free media APIs for Nigerian developers building content-driven applications. The image search API accepts keyword queries and returns a paginated list of matching images, each with metadata including dimensions, tags, photographer information, and download URLs for multiple sizes. Available size variants typically include thumbnail (150x150), small (340px), medium (640px), large (1280px), and original resolution — allowing applications to request the appropriate size for each display context and avoid downloading larger files than needed. Filter parameters provide fine-grained control over search results: image type (photo, illustration, vector), orientation (horizontal, vertical), category (nature, business, technology, fashion, and many others), minimum dimensions, color scheme, safe search toggle, and editorial content flag. These filters enable content-specific applications to retrieve media that matches their display context without manual curation. Video search returns short clips in multiple resolutions (tiny, small, medium, large), each with duration, tags, and download URLs. For Nigerian content platforms, blog posts, and marketing materials that benefit from animated or video content, Pixabay's video library provides free footage across many categories. For Nigerian developers and businesses, Pixabay's zero-cost, no-attribution model eliminates the stock photography budget that has traditionally been a barrier for small Nigerian startups, independent bloggers, and SMBs creating digital content. A Nigerian fintech startup building a marketing website, a Nigerian news portal illustrating articles, or a Nigerian developer building a content app can all access professional-quality media without licensing costs. The API requires a free API key obtained through Pixabay registration. The generous rate limit of 5,000 requests per hour supports production applications with substantial media search volume. The REST API returns JSON responses compatible with any HTTP client, requiring no special libraries. The Pixabay API includes a video search endpoint alongside the photo search, returning short royalty-free video clips suitable for background videos, social media content, and multimedia projects. Video results include duration, file size, and download URLs for multiple quality levels from 240p to full resolution. For Nigerian content creators who need free stock footage for YouTube intros, Instagram stories, or website backgrounds, Pixabay's video library provides a practical alternative to paid stock video services that may be prohibitively expensive for independent Nigerian creators. Contributor data within Pixabay responses provides the uploader's username and Pixabay profile URL, fulfilling attribution expectations even though Pixabay content is technically license-free. Many Nigerian apps display attribution as a best practice to maintain goodwill with the creator community. The API also supports searching in specific image colors, orientations (horizontal, vertical, or square), and minimum image dimensions — allowing Nigerian app developers to filter for high-resolution landscape photos for banner images or portrait-oriented photos for mobile profile backgrounds without post-filtering.

2. Onafriq (Baxi)

Banking & Fintech, Development Tools

Onafriq (formerly MFS Africa) is Africa's largest digital payments gateway, operating across 40+ African countries and reaching over 500 million mobile wallets and bank accounts on the continent. In Nigeria, Onafriq operates the Baxi super-agent network — a branded agency banking network with over 460,000 active agents nationwide, covering both urban and rural areas. Baxi is one of Nigeria's largest super-agent networks and is used by streaming platforms, utilities, government agencies, and fintech companies to collect payments from and disburse to cash-preferred Nigerian consumers. Onafriq provides a unified API that connects businesses to its full collection and disbursement infrastructure across Nigeria and Africa. The API documentation is at docs.onafriq.com, and Onafriq Nigeria Payments Ltd holds a CBN Payment Service Provider license for all Nigerian operations. The Collections API enables businesses to receive payments through multiple channels: mobile money wallets (pan-African, where applicable), bank account transfers, debit cards, and cash payments via Baxi agents. This multi-channel collection capability is the core value proposition — a single API integration enables a business to collect from tech-savvy card users, bank transfer users, and cash-paying offline customers all at once. This is particularly powerful for Nigerian companies serving a diverse customer base that spans different income levels and digital adoption stages. For bill payments, Onafriq's Baxi network integrates with over 248 billers including electricity DISCOs (EKEDC, IKEDC, AEDC, and others), DSTV and GOtv subscription management, water corporation payments, and various government agencies. Businesses can integrate the Biller API to let their users pay any of these billers from within their application. The Disbursements API enables fast, secure payouts to bank accounts and mobile wallets across Nigeria. This is used by social protection programs (conditional cash transfers), agricultural buyers (paying farmers at harvest), insurance companies (claims payouts), and any platform that needs to send money to Nigerian recipients who may not have traditional bank accounts. A significant 2026 milestone was Onafriq's PAPSS (Pan-African Payment and Settlement System) integration, launched in partnership with Nigerian banks and mobile money operators. This enables wallet-based outbound payments from Nigeria to Ghana — a first step toward real-time pan-African interoperable payments using local currencies, bypassing USD correspondent banking for intra-African transfers. In January 2026, Showmax partnered with Baxi by Onafriq to offer Nigerian subscribers a new payment option for streaming subscriptions — allowing users to pay in person at any Baxi agent point without needing a bank card or mobile banking app. This demonstrates the commercial value of the Baxi network for digital businesses that want to capture Nigeria's large cash-preferred segment. Authentication for the Onafriq API uses Bearer Token or API Key credentials obtained through the developer portal. Enterprise integration partners may have specific authentication flows depending on their market and product. A sandbox environment is available for testing. Known challenges: Onafriq's developer documentation is less self-service-oriented than Paystack or Flutterwave — enterprise integration partnerships are the primary onboarding path. Nigeria-specific Baxi agent banking integration may require additional operational setup beyond just API access. Pricing is negotiated per partnership rather than published on a public pricing page. Frequently Asked Questions: Can I use the Baxi agent network without building a full integration? Baxi provides physical agent points where end customers can pay using reference codes — the integration generates a reference code that the customer presents at the Baxi agent. Full API integration is required to generate reference codes and reconcile payments. Is Onafriq the same as Baxi? Baxi is Onafriq's Nigeria-specific super-agent brand. Onafriq is the pan-African parent. The API covers all Onafriq products including Baxi. Does Onafriq support mobile money in Nigeria? Onafriq's mobile money expertise is strongest in East Africa (Kenya, Tanzania) and West Africa (excluding Nigeria, where mobile money adoption has been slower than agent banking). In Nigeria, the focus is on bank transfers and Baxi cash agents.

3. CurrencyLayer

Banking & Fintech, Trading & Currency Exchange

CurrencyLayer is one of the most widely-used and long-established exchange rate APIs in the world, providing real-time and historical foreign exchange data for 168 currencies and precious metals. Now owned and operated by APILayer — a platform aggregating developer APIs across multiple categories — CurrencyLayer benefits from enterprise-grade infrastructure, high availability, and a large developer community built up over years of operation. Nigerian Naira (NGN) is fully supported as both a source and target currency. **What CurrencyLayer Does** CurrencyLayer delivers exchange rate data sourced from banks and commercial data providers, providing accurate mid-market rates for 168 world currencies alongside precious metals including gold (XAU), silver (XAG), platinum (XPT), and palladium (XPD). The API supports real-time rate queries, historical rate lookups for any past date, and currency conversion calculations. All responses are delivered in JSON format via simple HTTPS GET requests. **Nigeria Support** NGN (Nigerian Naira) is one of 168 supported currencies. On paid plans (Basic and above), NGN can be used as the base currency — allowing Nigerian apps to fetch NGN-denominated rates for all other currencies in a single call. On the free plan, the base currency is locked to USD (developers can still get NGN rates but must calculate conversions from the USD base). **Authentication** API access requires an API key, which is appended to all request URLs as the access_key query parameter (e.g., ?access_key=YOUR_KEY). API keys are issued immediately upon free signup at currencylayer.com. The service uses HTTPS for all requests to protect key confidentiality. **Pricing Plans** CurrencyLayer offers five tiers: - **Free**: 100 API calls/month, USD base currency only, hourly update frequency - **Basic**: $13.99/month — 10,000 calls/month, all 168 base currencies, conversion endpoint - **Professional**: $52.99/month — 100,000 calls/month, 10-minute rate updates - **Professional Plus**: $84.99/month — 500,000 calls/month, 60-second rate updates - **Enterprise**: Custom pricing for very high volume requirements The critical limitation of the free plan is the USD-only base currency restriction. Nigerian developers who need NGN as a base currency (e.g., to display NGN/USD rather than USD/NGN) must upgrade to at least the Basic plan ($13.99/month). **Update Frequency** Like ExchangeRate-API and other tiered providers, CurrencyLayer's rate freshness scales with plan: - Free and Basic: Updated every 60 minutes - Professional: Updated every 10 minutes - Professional Plus: Updated every 60 seconds For production Nigerian fintech applications requiring near real-time accuracy, the Professional Plus plan's 60-second updates are appropriate. **Historical Data** Historical exchange rate data is available on paid plans, enabling developers to query the exact NGN exchange rate on any specific past date. This is critical for Nigerian businesses that need to record foreign-currency transactions at the exchange rate prevailing on the transaction date — a requirement under IFRS accounting standards used by many Nigerian companies. **Precious Metals** CurrencyLayer is one of the few exchange rate APIs that includes gold and silver prices in its currency list. Gold (XAU) and silver (XAG) prices are returned in the same API response as fiat currencies, making CurrencyLayer useful for Nigerian commodity investment platforms and jewellery businesses that need to track both precious metal values and NGN FX rates. **APILayer Ecosystem** As part of the APILayer product suite, CurrencyLayer users can manage their API key, view usage analytics, and access support through the APILayer dashboard. APILayer also offers complementary APIs (VAT rates, IP geolocation, etc.) that can be purchased and managed in the same account — convenient for developers building multi-feature financial applications. **Important Limitation for Nigeria** CurrencyLayer provides official mid-market exchange rates from banks and data providers. It does not provide Nigerian parallel market (black market) or Bureau de Change rates. In periods of significant Naira volatility or divergence between official and parallel rates, CurrencyLayer rates may not reflect what Nigerian consumers or informal businesses actually transact at. For parallel market tracking, use Monierate. **Comparison with ExchangeRate-API** CurrencyLayer is older and more widely deployed but has a more restrictive free tier (100 calls vs. 1,500 calls on ExchangeRate-API). The Basic plan at $13.99/month is more expensive than ExchangeRate-API Pro at $10/month for comparable features. CurrencyLayer's advantage is the inclusion of precious metals and the APILayer ecosystem. Choose CurrencyLayer if precious metals rates or APILayer ecosystem integration matter; choose ExchangeRate-API for a more generous free tier and lower entry-level paid pricing. **Frequently Asked Questions** Q: Can I use NGN as a base currency on the free plan? A: No. The free plan is locked to USD as the base currency. Upgrade to Basic ($13.99/month) for NGN base currency support. Q: Does CurrencyLayer include gold prices? A: Yes. Gold (XAU), silver (XAG), platinum (XPT), and palladium (XPD) are included in the 168-currency response. Q: How do I authenticate API requests? A: Append your API key as access_key=[YOUR_KEY] in the request URL query string. Q: Is there a sandbox for testing? A: No dedicated sandbox — testing uses the live API with free tier credentials. Q: Who owns CurrencyLayer? A: CurrencyLayer is owned by APILayer, a platform aggregating developer-focused APIs.

4. FxRatesAPI

Banking & Fintech, Trading & Currency Exchange

FxRatesAPI is a foreign exchange rate data provider offering real-time, historical, and time-series exchange rate data for over 180 currencies through a clean REST API. The service aggregates rates from multiple financial data sources and delivers accurate exchange rates for currency conversion, price display, accounting, and financial analytics applications. For Nigerian developers and businesses building applications that deal with multiple currencies — which describes the majority of Nigerian fintech, e-commerce, and accounting software — FxRatesAPI provides reliable NGN currency data alongside all major global currencies. Nigeria's position as Africa's largest economy means that currency exchange rates are not just a technical feature — they are a core business concern. The USD/NGN exchange rate directly affects the cost of imported goods displayed on Nigerian e-commerce platforms, the naira value of remittances sent from Nigerians in the diaspora, the financial reporting of Nigerian companies with foreign currency revenues, and the investment decisions of Nigerians holding foreign currency assets. An accurate, current USD/NGN rate, updated at least daily, is a fundamental requirement for dozens of categories of Nigerian applications. The /latest endpoint returns current exchange rates for all 180+ supported currencies from a specified base currency. To get the current USD/NGN rate, a Nigerian application calls the endpoint with base=USD and receives the NGN rate in the response. The same call returns rates for EUR, GBP, JPY, and every other supported currency simultaneously — making it straightforward to build multi-currency displays that show prices in multiple currencies at once. The /convert endpoint handles currency conversion arithmetic — pass the amount, the source currency, and the target currency, and FxRatesAPI returns the converted amount at the current rate. For Nigerian e-commerce platforms that need to convert a product price from USD to NGN for display, this eliminates client-side conversion code and ensures the rate used is always current. Historical exchange rate data is available via the /historical endpoint, returning rates for any past date. This is critical for Nigerian accounting and ERP applications that need to record transactions at the exchange rate on the transaction date — a requirement for Nigerian financial reporting that must comply with both IFRS standards and FIRS (Federal Inland Revenue Service) guidelines on foreign currency transactions. The /timeseries endpoint returns exchange rate data over a range of dates with daily resolution, enabling trend analysis and charting. For Nigerian currency analytics tools, this data powers time-series charts showing the USD/NGN rate history — valuable context for Nigerians trying to understand naira depreciation trends and optimize their currency holding decisions. Fluctuation data via the /fluctuation endpoint shows the change in exchange rates over a specified period — useful for Nigerian fintech apps that want to display "the naira weakened 2.3% against the dollar this week" type of contextual information alongside current rates. The free plan provides 1,500 requests per month with daily rate resolution — sufficient for low-traffic applications where real-time rates are not critical. For applications needing hourly or minute-level rate updates (forex comparison tools, live price displays on high-traffic Nigerian e-commerce sites), the Basic plan at $9.99/month provides up to 100,000 requests and hourly resolution. The Professional plan at $29.99/month provides minute-level resolution and up to 1 million requests per month — appropriate for Nigerian fintech applications with significant user traffic. All endpoints accept a simple api_key query parameter with no request signing required, making FxRatesAPI one of the quickest currency data integrations available for Nigerian developers. Responses are JSON by default with XML available as an alternative format.

5. ImaliPay API

Banking & Fintech, Development Tools, eCommerce

ImaliPay is a Nigerian fintech platform providing APIs for credit scoring, buy-now-pay-later (BNPL), micro-savings, and insurance products. The ImaliPay API enables fintech platforms, e-commerce sites, and lenders to integrate credit assessment, BNPL financing, user savings tools, and insurance coverage into their applications. Nigerian fintech platforms, e-commerce businesses, and lending apps use ImaliPay API to offer flexible payment options, assess creditworthiness using alternative metrics, enable micro-savings programs, and provide insurance protection with platform transaction telemetry and hybrid mobile/WhatsApp payment gateways.

6. Stellas Microfinance Bank API

Banking & Fintech, Development Tools, Payments

Stellas Microfinance Bank provides payment APIs and collections services focused on microfinance use cases. The Stellas MFB API enables payment processing and collection management for microfinance operations. Nigerian microfinance companies use Stellas APIs for payment processing.

7. Gamp API

Banking & Fintech, Development Tools, Insurance

Gamp is a Nigerian device insurance and protection API platform providing endpoints for insurance plan pricing, plan creation, claims management, and device repair services. The Gamp API enables e-commerce platforms, device retailers, fintech apps, and telcos to integrate device insurance and protection services for smartphones, laptops, and electronics. Nigerian e-commerce platforms, telcos, and fintech companies use Gamp API to offer device insurance, manage customer claims, coordinate repairs, track devices via IMEI, and provide comprehensive device protection with flexible coverage durations.

8. NGN Market API

Banking & Fintech, Development Tools, Trading & Currency Exchange

NGN Market API provides access to Nigerian financial market data including stock prices, foreign exchange rates, and market indices. The API enables developers to build financial applications with real-time and historical Nigerian market data. Nigerian fintech platforms, traders, and investment applications use NGN Market API to integrate naira-denominated market data and forex rates into their systems.

9. ALOC Nigeria Past Questions API

Banking & Fintech, Development Tools

The ALOC (A Level of Confidence) API is a free REST API providing a large bank of Nigerian standardized examination past questions and answers — covering JAMB (UTME), WAEC, and NECO across most examinable subjects (English, Mathematics, Physics, Chemistry, Biology, Government, Literature, and more) — built specifically for Nigerian edtech developers rather than adapted from a foreign question bank. Each question returns the question text, multiple-choice options, the correct answer, and often a brief explanation or the exam year it originated from. Access requires a free API token obtained by signing up on the ALOC platform, after which requests can filter by subject, exam type (JAMB/WAEC/NECO), exam year, and question type. Random question retrieval supports building practice-quiz and CBT (computer-based test) simulation apps that mimic the real JAMB CBT experience Nigerian students sit for. Given JAMB registers well over a million candidates annually and WAEC/NECO cover the entire Nigerian secondary school population, ALOC is widely used as the backing data source for Nigerian exam-prep apps, practice-quiz platforms, and CBT simulation tools — several popular Nigerian edtech startups build directly on top of it rather than sourcing and digitizing past questions themselves. The free tier has reasonable rate limits for a prototype or small app; the terms require attribution and prohibit reselling the raw question data as a standalone product.

10. Remita

Banking & Fintech, Development Tools

Remita is Nigeria's most widely deployed government payment infrastructure platform, operated by SystemSpecs — a Lagos-based technology company founded in 1992. Remita is the payment engine behind the Nigerian Federal Government's Integrated Payroll and Personnel Information System (IPPIS), which processes salaries for over 1.7 million federal civil servants monthly. It is also integrated with the Government Integrated Financial Management Information System (GIFMIS), making Remita the de facto standard for Nigerian government financial transactions. Beyond government, Remita is used by over 100 Nigerian universities for school fees, thousands of corporate organizations for payroll and collections, and millions of individuals for bill payments. The Remita API is RESTful with JSON payloads and uses a multi-layer authentication scheme: OAuth 2.0 Bearer Token combined with a separate API-Key header. Both are required for all API calls. This double authentication layer is by design — given that Remita processes government and institutional transactions that carry higher security requirements than typical commercial gateways. OAuth 2.0 tokens are obtained by authenticating against the Remita token endpoint using merchant credentials. The API-Key is a static key assigned during merchant onboarding. Full API documentation is at api.remita.net. The core Remita Collections product works via a unique concept called the Remita Retrieval Reference (RRR). When an invoice or payment obligation is created via the Remita API, a unique 12-digit RRR code is generated. The payer can then present this RRR at any of Nigeria's 30+ bank branches, ATMs, mobile banking apps, or online banking portals and make the payment. Funds are automatically routed to the merchant's account, and Remita reconciles the transaction in real time. This multi-bank collection capability — where a single reference code is valid at every bank in Nigeria — is Remita's most powerful differentiator. The Collections API is available for all business types. Government-specific integrations (Ministries, Departments, and Agencies — MDAs) connect to Remita's TSA (Treasury Single Account) integration, which automatically sweeps collected funds to the CBN Treasury Single Account as mandated by the Federal Government's 2015 TSA policy. The Agency Banking API enables fintech platforms and banks to build agent banking products — where registered agents (typically airtime kiosks, POS shops, supermarkets) can process financial transactions on behalf of their customers. Remita's agent network spans rural and urban Nigeria. The Vending API provides programmatic access to utility top-ups: airtime and data purchases for all four major Nigerian networks (MTN, Airtel, Glo, 9mobile), electricity unit purchases for EKEDC, IKEDC, AEDC, BEDC, EEDC, JED, KAEDCO, and other NERC-licensed DISCOs, and DStv/GOtv subscription management. This makes Remita a convenient single integration point for platforms offering VAS (Value Added Services) products. The Direct Debit API enables businesses to set up standing debit mandates on customer bank accounts — automatically debiting on a schedule without requiring manual customer action for each transaction. This is used for insurance premium collection, loan repayments, and subscription services. Pricing for Remita is transaction-based and varies by product type (collections, transfers, vending). Unlike some gateways, Remita does not publish a flat public pricing table — rates are agreed during merchant onboarding and depend on volume and business type. Government entities and high-volume enterprises typically negotiate custom rates. The demo/test environment is available at remitademo.net, which mirrors all production functionality. Moving from demo to live requires completing Remita's merchant onboarding, which is more involved than typical payment gateways — reflecting the higher compliance requirements of its government-focused products. From a compliance standpoint, SystemSpecs Ltd (Remita's operator) holds CBN licensing and has SOC 2 Type II certification. Remita is also ISO 27001 certified for information security management. These certifications are required for the government contracts that form Remita's core business. Known challenges: Remita's developer documentation and API design are less modern than Paystack or Flutterwave. The API uses older REST conventions. The multi-layer authentication (OAuth 2.0 + API-Key) requires careful implementation. Merchant onboarding is more bureaucratic than self-service gateways. These trade-offs are acceptable for government and institutional clients where regulatory compliance outweighs developer experience. Frequently Asked Questions: Does Remita only serve government institutions? No — Remita is available to private businesses, educational institutions, and individuals. Government integration is its strongest use case, but any Nigerian business can use Remita for collections, payroll, and VAS. What is an RRR code? A Remita Retrieval Reference (RRR) is a unique 12-digit code generated for each payment obligation. Payers can use this code to pay at any Nigerian bank, ATM, or mobile app — making it ideal for widespread collection from diverse payment sources. Is Remita safe for government revenue? Yes — Remita is SOC 2 and ISO 27001 certified, and is the CBN-approved platform for federal government revenue collection under the Treasury Single Account policy.

11. Wema Bank (Sparkle) API

Banking & Fintech, Development Tools

Wema Bank provides Open Banking APIs through its Sparkle platform. The Wema Bank API enables account linking, transaction access, and open banking functionality. Wema Bank was an early open banking adopter in Nigeria. Nigerian fintech platforms use Wema Bank APIs for account connectivity.

12. FairMoney API

Banking & Fintech, Development Tools

Lending and financial services API for Nigerian consumers and businesses. FairMoney provides APIs for credit assessment, loan origination, and digital lending services. Enables businesses to offer microcredit and financial services to their customers.

13. Pulsedive

Banking & Fintech

Pulsedive is a community-driven threat intelligence API that provides enriched information about indicators of compromise including IP addresses, domain names, and URLs. The platform aggregates threat data from dozens of open-source intelligence feeds, performs active and passive scanning, and enriches each indicator with risk scores, associated threats, properties, and historical scan data to give security teams comprehensive context about potential threats. The core value of Pulsedive lies in its aggregation and enrichment capabilities. Rather than querying multiple individual threat intelligence sources and manually correlating the results, Pulsedive queries all connected feeds simultaneously and returns a consolidated risk assessment. Each indicator receives a risk score ranging from none to critical based on factors including its appearance in known malicious activity, the types of threats it has been associated with, and scan results revealing potentially malicious server configurations. The API supports lookups for three primary indicator types. IP address lookups reveal information about the hosting organization, ASN, geolocation, open ports and services discovered during active scanning, SSL certificate details, DNS records, associated domains, and any threats the IP has been linked to across threat intelligence feeds. Domain lookups provide registration information, DNS history, SSL certificate chain, associated IP addresses over time, and threat associations. URL lookups perform active scanning to analyze the page content, check for malicious redirects, identify hosting details, and cross-reference against known malicious URL databases. For Nigerian cybersecurity professionals and organizations, Pulsedive provides a particularly accessible entry point into threat intelligence because of its generous free tier. The free plan allows individual researchers and small security teams at Nigerian startups and SMEs to perform meaningful threat analysis without budget constraints. At 30 requests per day on the free tier, security analysts at Nigerian organizations can perform enrichment on the most critical indicators encountered during incident response and daily monitoring activities. Nigerian fintech companies and banks regularly encounter suspicious IPs attempting to probe their APIs and payment systems. Pulsedive enrichment transforms a raw suspicious IP address into a complete threat profile showing whether that IP has been previously associated with banking trojans, fraud operations, or botnets. This context enables faster, more confident decisions about whether an incident requires immediate escalation or can be handled as routine noise. Threat feed integration is central to Pulsedive effectiveness. The platform continuously ingests from open-source feeds including AlienVault OTX, Emerging Threats, Abuse.ch, ThreatFox, MalwareBazaar, URLhaus, Feodo Tracker, and many others. When any of these feeds marks an indicator as malicious, that information propagates into Pulsedive and becomes available through the API. For Nigerian security teams that cannot afford premium threat intelligence subscriptions, Pulsedive aggregates the best available open-source intelligence into a single API call. The API also exposes Pulsedive threat profiles, which are named threat campaigns and malware families. Security teams can query for all indicators associated with a specific threat such as a ransomware group, banking trojan, or APT actor, enabling targeted threat hunting and proactive blocking of infrastructure linked to known threat actors. Bulk indicator scanning is supported for security operations that need to enrich large lists of indicators from network logs or SIEM data. Analysts can submit lists of IPs, domains, and URLs for batch processing, with results returned in structured JSON format that can be imported into SIEM platforms or spreadsheets for analysis. For developers building security products targeting the Nigerian market, Pulsedive API integration adds immediate threat intelligence value to security dashboards, SOAR platforms, and incident response tools. The clear risk scoring and structured data format makes it straightforward to display threat context in user interfaces and trigger automated responses when high-risk indicators are detected. The combination of free access, comprehensive enrichment, and easy integration makes Pulsedive an excellent starting point for Nigerian organizations beginning to build threat intelligence capabilities.

14. CBN Statistics Database

Banking & Fintech, Payments, Trading & Currency Exchange

Official central bank statistics database providing exchange rates, banking statistics, monetary aggregates, balance of payments, and financial data. Access to Nigeria's macro-economic indicators for research, analysis, and applications.

15. VTpass API

Banking & Fintech, Development Tools, Payments

VTpass is a dedicated Value Added Services (VAS) platform providing a unified API for developers to natively integrate utility bill payments and digital services directly into their applications. The VTpass API enables automated airtime vending (MTN, Airtel, Glo, 9mobile), data subscription bundles, electricity bill payments across Nigerian DisCos, cable TV subscription renewals (DStv, GOtv, Startimes), and other utility services. Nigerian fintech apps, mobile money platforms, and business solutions use VTpass to offer comprehensive utility payment services without building separate integrations for each provider.

16. Partna API

Banking & Fintech, Payments

Partna is a Nigerian-founded fintech platform providing stablecoin payments and B2B payment infrastructure across Africa. The Partna API enables stablecoin transactions, fiat on/off-ramps, and B2B transfers. Nigerian businesses and fintech platforms use Partna for cross-border payments, B2B settlement, and stablecoin-based transactions with minimal friction.

17. Finnhub

Banking & Fintech, Development Tools, Utility Tools

Finnhub is a financial market data API providing real-time and historical stock quotes, company fundamentals, earnings data, and alternative datasets (insider transactions, social sentiment, ESG scores) across global exchanges. It notably includes coverage of the Nigerian Exchange (NGX) alongside major US, European, and Asian markets, making it one of the few widely-used international market data providers with any direct Nigerian equities coverage. The core REST API exposes endpoints for real-time quotes, historical OHLCV candles, company profiles, financial statements (income statement, balance sheet, cash flow), analyst estimates, and earnings calendars. A WebSocket feed streams live trade-level price updates for supported exchanges, useful for building live tickers or algorithmic trading signals. Authentication uses a simple API key passed as a query parameter or header. The free tier allows 60 API calls per minute with access to a meaningful subset of endpoints (real-time US quotes, basic fundamentals), which is enough for prototyping a portfolio tracker or market dashboard. Paid plans unlock full historical depth, additional exchanges including NGX, and higher rate limits. For Nigerian fintech and investment platforms building portfolio trackers, robo-advisors, or market research tools, Finnhub is a practical way to get both global and NGX-adjacent market data from a single integration rather than stitching together multiple region-specific providers.

18. DusuPay API

Banking & Fintech, Development Tools

DusuPay is a payment gateway built around the operational reality that Africa is not a card-first market. The DusuPay API provides deep regional mobile money connectivity across 15 African countries enabling platforms to accept instant mobile money payments including M-Pesa, MTN Money, Airtel Money, and other regional mobile money services. The API also supports bank transfers and local currency collections with optimized transaction success rates for African payment networks. Nigerian fintech platforms, e-commerce sites, and digital businesses use DusuPay to accept mobile money payments and bank transfers with significantly higher success rates than card-only gateways in emerging African markets.

19. Brass API

Banking & Fintech, Payments

Business banking API for SMEs providing account management, payments, and financial services. Brass enables businesses to manage accounts, make transfers, and integrate banking features directly into their platforms. Designed specifically for SME needs with developer-friendly APIs.

20. BuyPower API

Banking & Fintech, Development Tools

Energy data service and bill payment API for Nigeria. BuyPower provides APIs for paying electricity bills, accessing utility data, and managing energy payments. Useful for fintech platforms, lending products, and utility integrations needing real-time energy consumption data.

21. PiggyVest Business API

Banking & Fintech, Development Tools, eCommerce

Nigerian fintech API platform for B2B savings and investment integration. PiggyVest provides business APIs enabling companies to embed automated savings, investment products, and wealth management tools into their applications. Purpose-built for African markets with strong focus on financial inclusion and automated savings automation for individuals and businesses.

22. Providus Bank API

Banking & Fintech, Development Tools, Payments

Providus Bank is a fintech-friendly commercial bank providing Banking-as-a-Service (BaaS) APIs enabling fintech platforms to offer banking services. The Providus Bank API provides endpoints for transfers, virtual account creation, balance inquiries, statement retrieval, and webhook notifications. Nigerian fintech platforms, payment companies, and digital banks use Providus Bank APIs to enable core banking functionality, virtual account services, and fund management without building banking infrastructure.

23. ScreenshotAPI.net

Banking & Fintech, Development Tools, Utility Tools

ScreenshotAPI.net is a website screenshot API that uses headless Chrome to capture pixel-perfect screenshots of any URL on demand, delivering clean, accurate representations of how web pages appear in a real browser. The service manages all the browser infrastructure, rendering pipeline, and hosting — developers need only make a simple HTTP request to receive a screenshot. The full-page capture mode is one of the API's most practical features: it captures the entire scrollable length of a web page rather than just the visible viewport, producing tall screenshot images that contain all the page content from top to bottom. This is valuable for design archives, visual content auditing, and creating complete page records without manually scrolling and stitching images. Element-specific capture uses CSS selectors to screenshot only a specific element on the page — a chart, a header, a data table, or any element that can be targeted with a CSS selector. This granular capture mode is useful when only a specific component of a page is needed, and eliminates the need to crop a full-page screenshot programmatically afterward. Custom viewport dimensions allow both desktop and mobile screenshots from the same URL. Setting width to 375px and height to 812px simulates an iPhone viewport, while 1920x1080 captures a typical desktop view. This dual-viewport capability is important for responsive design testing and generating platform-specific preview images. The scroll-to-load delay parameter inserts a configurable wait period before capture, allowing dynamically loaded content, animations, and lazy-loaded images to finish rendering. Without this delay, screenshots of JavaScript-heavy applications might capture a loading state rather than the finished page content. For Nigerian developers and agencies, ScreenshotAPI.net provides a reliable, well-documented tool for a recurring need in web development workflows. Website portfolios require thumbnail screenshots of all client sites. Monitoring tools benefit from visual snapshots at anomaly moments. Social platforms improve engagement with visual link preview cards. Nigerian fintech and compliance platforms that need to document the state of third-party web pages for audit trails — such as screenshotting a pricing page at the time of a customer complaint, or capturing a business registration portal page for due diligence — can automate this through the API rather than relying on manual captures. The REST API uses a simple GET request pattern with the target URL, API key, and configuration parameters as query parameters. The response delivers the screenshot image directly or as a URL, depending on the configured response format. The freemium tier provides 100 screenshots per month at no cost — sufficient for evaluation and low-volume production use. ScreenshotAPI.net's lazy load handling uses a combination of page scroll simulation and configurable wait time to ensure content that loads on user scroll — product images, infinite-scroll lists, lazy-loaded advertisements — is visible in the captured screenshot rather than showing blank placeholder areas. This produces more accurate screenshots of modern websites that use performance-optimized lazy loading. The block_ads parameter strips advertisements from the captured page before screenshotting, producing cleaner images for content archival and portfolio display purposes. Nigerian agencies capturing competitor screenshots or archiving web content for research find this parameter useful for getting the actual page content without ad overlay interference. CSS injection via the custom_css parameter allows injecting stylesheet rules that are applied to the page before screenshotting — hiding specific elements, adjusting positioning, or removing cookie banners and overlays. This programmatic control over what appears in screenshots makes ScreenshotAPI.net suitable for generating clean, production-quality images for Nigerian business applications rather than just development tooling.

24. Elipa

eCommerce, Banking & Fintech, Development Tools

Elipa Global is a licensed Payment Service Provider (PSP) built exclusively for FX brokers and retail trading platforms operating in Africa. Unlike general-purpose payment gateways, Elipa is engineered specifically for the demands of trading operations — where failed deposits mean lost funded accounts, delayed withdrawals damage trader trust, and payment issues become expensive support tickets. The platform currently operates in Nigeria and Uganda, with Tanzania and Rwanda in active implementation phases. What the API Does The Elipa API enables FX and trading platforms to process local deposits and withdrawals in African currencies — NGN in Nigeria and UGX in Uganda. Core capabilities include: local bank transfer deposit processing with automatic trader account crediting; withdrawal disbursement to trader bank accounts; redundant payment rails with automatic failover to backup providers; real-time transaction monitoring; and settlement controls with regulatory reporting. The API is designed for reliability and uptime over feature breadth — its singular focus is making sure payments work when traders expect them to. How Developers Use It API access requires direct engagement with Elipa. There is no self-service signup. Platforms must contact Elipa to initiate onboarding, during which API credentials are issued. The API is REST-based and tailored to the deposit/withdrawal flow of trading platforms. Integration support is provided by Elipa during onboarding. Pricing Not publicly listed. Elipa operates on enterprise contracts negotiated based on transaction volume and market. Contact Elipa directly for pricing. Compliance Elipa operates as a licensed PSP with built-in compliance infrastructure including transaction monitoring, settlement controls, and regulatory reporting support. This is not a workaround payment solution — it is a regulated provider for platforms that require proper licensing in each market. Challenges and Gotchas (1) Not a general-purpose payment gateway — cannot be used for e-commerce or consumer apps. (2) API access is by request only — no self-serve onboarding. (3) Pricing is fully opaque. (4) Coverage is currently limited to Nigeria and Uganda. (5) Platforms must themselves hold appropriate trading/FX licences to onboard with Elipa. Company Background Elipa Global is focused exclusively on the African FX trading infrastructure market. The company provides the payment layer that FX brokers rely on for trader fund management — a niche but critical infrastructure role in Africa's growing retail trading market. FAQs Q: Can I use Elipa for a regular Nigerian e-commerce store? A: No. Elipa is built exclusively for FX brokers and trading platforms. For e-commerce, use Paystack or Flutterwave. Q: Does Elipa support Nigeria? A: Yes. Nigeria is Elipa's primary market with full local deposit and withdrawal support. Q: Is there a sandbox? A: Contact Elipa directly — sandbox availability is not publicly confirmed. Q: What currencies does Elipa support? A: NGN (Nigeria) and UGX (Uganda) currently, with TZS and RWF in implementation. Elipa's FX deposit and withdrawal infrastructure is built around maximum reliability for retail forex platforms and brokerage operations where payment failures translate directly to customer attrition and support costs. The platform's 24/7 operational support model means that payment issues occurring outside Nigerian business hours — including during active trading sessions on international markets that run overnight and through weekends — have a support escalation path that can intervene and resolve problems rather than leaving merchants and customers waiting until the next business day. Automatic failover architecture in Elipa ensures that if a primary payment processing route experiences degraded performance or temporary unavailability, transactions are automatically rerouted to backup processing paths without manual intervention. For Nigerian forex platforms where customer deposit failures during volatile market conditions create both financial risk and customer experience damage, automated failover reduces the impact of individual payment infrastructure component failures below the level where they affect customers. The NGN-USD corridor is particularly important for Nigerian retail forex brokers operating under CBN guidelines for retail FX trading. Elipa's expertise in this corridor — understanding the regulatory context, the operational requirements, and the technical constraints of Nigerian FX payment processing — makes it a specialized infrastructure choice for forex platform operators rather than a generic payment provider applying general-purpose payment infrastructure to a specialized FX context.

25. Bloc

Security, Banking & Fintech

Bloc is a Nigerian Banking-as-a-Service (BaaS) API platform that lets developers embed financial services directly into their products. Its banking infrastructure is provided through Bloc Microfinance Bank (Bloc MFB, CBN Licence No. FPR/LAD/CON/MFB/010/066, RC No. 7187722), a proprietary bank subsidiary rather than a third-party partnership — virtual account numbers issued through Bloc are native Bloc MFB account numbers, NDIC-insured up to ₦5 million. As of this review, Bloc's original developer-facing API portal (blochq.io) shows a "Launching Soon" placeholder rather than live product content, while Bloc MFB's direct banking site (blocmfb.com) is fully live, offering business accounts, supply chain financing, payroll disbursement, and payment collection directly to Nigerian businesses. This suggests the company's public-facing focus has shifted toward direct business/personal banking under the Bloc MFB brand; the standalone "embed Bloc's rails via API" product that this catalog entry originally described may be in transition, being rebuilt, or accessible only through direct sales contact rather than public self-serve signup. Developers interested in Bloc's API infrastructure should confirm current availability directly with the company before building on it. What the API previously offered (per Bloc's own documentation): four core products — Virtual Accounts (issuing NDIC-insured account numbers programmatically), Transfers (NIP transfers to any Nigerian bank), Bills Payment (airtime, data, electricity, cable TV, with a developer commission model), and Collections. Two virtual account types were supported: Fixed Accounts (persistent balance, can initiate transfers) and Collection Accounts (receive-only, for payment tracking). Authentication used a Secret Key from the Bloc Dashboard passed in request headers. Bloc MFB's current live business banking product (accessible directly, not via API) covers: NUBAN business accounts working across all Nigerian banks, vendor/supplier payments via NIP, bulk payroll disbursement, real-time transaction alerts, downloadable statements, multi-user role-based access, and supply chain financing (invoice financing, purchase order financing, supplier payment financing, working capital facilities). Security includes TLS 1.3 encryption, PIN authentication with device binding, and real-time fraud monitoring.

26. NGX Market Data API v3

Banking & Fintech, Trading & Currency Exchange

NGX Market Data API v3 is the official real-time and historical market data API from the Nigerian Exchange Group (NGXGroup). The API provides live stock prices, market indices (NSE Index), trading volumes, bid-ask spreads, and historical OHLCV (Open, High, Low, Close, Volume) data for all listed securities on the NSE. Nigerian fintech developers, investment platforms, and trading applications use the NGX Market Data API to build real-time stock tickers, portfolio trackers, market analysis dashboards, and trading applications with official NSE data.

27. Duplo

Development Tools, Payments, Banking & Fintech

Duplo is an API-first financial operating system for African businesses, providing a unified platform for B2B payments, expense management, virtual accounts, FX transfers, and NRS-compliant e-invoicing. Headquartered in Victoria Island, Lagos, Duplo is CBN PSSP-licensed, PCI DSS certified, ISO 27001 and 22301 certified, and NDPR-compliant. In early 2026, Duplo became one of the first Nigerian companies to secure dual NRS (Nigerian Revenue Service) licences for e-invoicing — a critical milestone as Nigeria moves toward mandatory digital invoicing for tax compliance. What the API Does The Duplo API enables businesses to: issue and manage virtual bank accounts; initiate bulk payments to up to 500 recipients simultaneously; process local and international card payments; perform FX conversions in 80+ currencies across 160+ countries; automate expense approval workflows with budget controls; perform auto-reconciliation of transactions; and generate NRS-compliant e-invoices. The platform is designed as both a business tool and an embeddable API layer for fintechs and platforms. How Developers Use It Developers access documentation at developers.tryduplo.com. Authentication uses API keys with clear environment prefixes: dp_test_ for test mode, dp_live_ for live mode. The API is REST-based with JSON payloads over HTTPS. All API calls must be made over HTTPS. Developers must complete compliance requirements before being granted live mode access. A sandbox environment is available for full testing. Pricing Local card transactions: 1.5% capped at approximately ₦1,200–₦1,300. International card transactions: 3.8%–4.0%. Custom volume tiers available for high-volume international processing. Contact Duplo for enterprise pricing. Authentication API keys are managed via the Duplo Dashboard. Test mode uses dp_test_ prefixed keys; live mode uses dp_live_ prefixed keys. Never share live keys publicly. Compliance CBN PSSP-licensed, PCI DSS, ISO 27001, ISO 22301, NDPR-compliant, and NRS dual-licensed for e-invoicing. Duplo is also expanding into South Africa via a partnership with Ozow for instant EFT payments. Challenges and Gotchas (1) Live mode requires completing compliance requirements — not instant. (2) Rate limits not publicly documented. (3) The NRS e-invoicing feature is relatively new and developers should check docs for current implementation status. (4) Duplo is B2B focused — not designed for high-volume consumer checkout flows. (5) International card fees (3.8–4%) are higher than local card fees. Company Background Duplo was founded in Nigeria by Yele Oyekola and Damola Ajao and is backed by prominent African and global VCs. The company is focused on solving the complexity of B2B financial operations in Africa, where businesses often manage payments through manual bank transfers, spreadsheets, and fragmented tools. Duplo consolidates this into a single API-first platform. FAQs Q: Does Duplo support bulk payments? A: Yes. Duplo supports bulk payments to up to 500 recipients in a single API call. Q: What is the fee for local card payments? A: 1.5% capped at approximately ₦1,200–₦1,300 per transaction. Q: Is there a sandbox? A: Yes. Test mode is available using dp_test_ API keys from your dashboard. Q: Does Duplo support e-invoicing for Nigerian tax compliance? A: Yes. Duplo holds NRS dual licences for NRS-compliant e-invoicing — one of the first Nigerian companies to do so. Q: Can Duplo handle international payments? A: Yes. Duplo supports 80+ currencies across 160+ countries with international card acceptance at 3.8–4.0%. Duplo's NRS-compliant e-invoicing capability supports Nigerian businesses' obligations under the Federal Inland Revenue Service's e-invoicing requirements, allowing platforms to generate and submit compliant electronic invoices as part of the B2B payment workflow rather than as a separate process.

28. Nigerian Banks API

Banking & Fintech

Nigerian Banks API is a free, open-source REST API providing comprehensive data on all Nigerian banks including USSD codes, branch information, swift codes, bank codes, and payment endpoints. The API enables developers to programmatically access Nigerian banking infrastructure information without external dependencies. Nigerian fintech developers, payment platform builders, and banking apps use the Nigerian Banks API to populate bank lists, validate bank details, generate USSD codes for direct bank transfers, and build bank-agnostic payment solutions.

29. Budpay API

Development Tools, Banking & Fintech

Nigerian fintech API platform providing bill payment services, utilities, and financial integrations. Budpay enables developers to integrate bill payment capabilities including airtime, data, electricity, internet, and insurance into their applications. Designed for easy integration with comprehensive sandbox environment for testing.

30. Klasha API

Payments, Banking & Fintech

Klasha is a fintech platform providing global checkout solutions for African merchants enabling cross-border e-commerce payments. The Klasha API enables merchants to accept international payments, manage currency conversion, and simplify cross-border transactions. Nigerian e-commerce businesses and merchants use Klasha to expand internationally and accept payments from global customers.

31. Rapyd Payout API

Payments, Development Tools, Banking & Fintech

Rapyd is a global Fintech-as-a-Service (FaaS) platform that provides businesses with a single API to collect payments, disburse payouts, and manage financial operations across 100+ countries and 900+ local payment methods. Founded in 2016 and headquartered in Tel Aviv, Israel, Rapyd is backed by Stripe and other major investors, and has a community of 50,000+ developers. The Rapyd API covers the complete payment lifecycle: online checkout, virtual accounts, hosted payment pages, multi-currency wallets, card issuing, FX conversion, and bulk disbursements. The Rapyd API is RESTful with JSON payloads. Documentation is at docs.rapyd.net. Authentication uses HMAC SHA-256 signing — a security scheme where every API request is signed using the access key and secret key provided during onboarding. This is more complex than Bearer Token auth and requires developers to implement the signing algorithm correctly. The signature is computed from the HTTP method, endpoint path, salt, timestamp, access key, and request body, then base64-encoded and included in the request header. Rapyd provides code samples in multiple languages to simplify implementation. Rapyd's core product for global payments is the Collect API, which enables businesses to accept local payment methods in 100+ countries. Rather than integrating with dozens of country-specific payment processors, businesses integrate Rapyd once and get access to payment methods including bank transfers, cash payment networks, direct debit, mobile wallets, and card networks in each country. For Nigeria and Africa, Rapyd's local payment method coverage includes relevant African payment rails — exact Nigerian payment methods available can be queried via the Rapyd Payment Methods API (GET /v1/payment_methods/country?country=NG). The Payout API enables mass disbursements to bank accounts and e-wallets globally. Businesses can send payments to employees, contractors, vendors, and customers in 100+ countries. Rapyd automatically handles FX conversion when the payout currency differs from the source currency. Rapyd also offers multi-currency wallets — virtual accounts that can hold balances in multiple currencies. This is useful for platforms managing funds on behalf of multiple currencies and wanting to minimize FX conversion costs by holding funds in the appropriate currency. Card issuing is another major feature — businesses can use the Rapyd API to issue virtual and physical Visa/Mastercard cards to their users in supported markets. This powers expense management tools, corporate card programs, and employee benefit cards. The Rapyd sandbox environment is fully featured and allows testing of all payment methods, disbursements, and card operations using test credentials. The developer community at community.rapyd.net provides support and knowledge sharing. From a compliance standpoint, Rapyd is an authorized Electronic Money Institution in the UK (FCA), an authorized Payment Institution in the EU (Lituanian FSA), and holds licenses in other jurisdictions. For Africa and Nigeria specifically, Rapyd works with local regulated partners to ensure compliance with CBN requirements. Frequently Asked Questions: Does Rapyd support Nigeria directly? Nigeria is accessible through Rapyd's Africa local payment method network. Use the Payment Methods API with country=NG to see currently available Nigerian payment methods. Why does Rapyd use HMAC SHA-256 instead of Bearer tokens? HMAC signing provides additional security for high-value enterprise transactions — each request is individually signed, preventing replay attacks and request forgery. Can Nigerian businesses sign up for Rapyd directly? Businesses need to have a legal entity in a Rapyd-supported country. Nigerian companies should contact Rapyd to confirm current onboarding eligibility.

32. Lendsqr API

Banking & Fintech, Development Tools

Lending-as-a-Service (LaaS) API platform specifically designed for developers to build loan applications. Lendsqr provides complete lending infrastructure including loan management, credit scoring, disbursement, and repayment handling. Enables fintechs and platforms to quickly add lending capabilities without building from scratch.

33. XE Currency Data API

Banking & Fintech, Trading & Currency Exchange

XE Currency Data API delivers enterprise-grade foreign exchange rate data from XE, the world most trusted currency authority with over 300 million users globally. XE has been publishing currency data since 1993 and has built its reputation on the accuracy and reliability of its mid-market exchange rates. The XE Currency Data API extends this trusted rate data to developers and enterprises who need audit-grade FX information for financial systems, banking applications, ERP platforms, and compliance reporting. XE mid-market rates represent the midpoint between buy and sell prices in the global forex market, sourced from aggregated quotes across the global interbank market. These mid-market rates serve as the internationally recognized reference point for currency conversions in financial reporting, audit, and compliance contexts. Many Nigerian financial institutions, accounting firms, and corporate treasury teams use XE rates specifically because XE is recognized as a credible, independent source that satisfies auditor and regulator expectations for rate substantiation. The Nigerian Naira is fully supported across all XE Currency Data endpoints. Given the Naira's significant volatility in recent years and the importance of accurate NGN rates for Nigerian businesses with international operations, XE's multi-source rate aggregation methodology provides better rate accuracy than single-source alternatives. Nigerian importers, exporters, and companies with foreign currency debt obligations particularly benefit from rate data that accurately captures current market conditions. Real-time rate delivery ensures that XE Currency Data always reflects the current state of global forex markets. Rates are updated continuously throughout the trading day as market prices move. For Nigerian payment processors, money transfer operators, and foreign exchange bureaux integrating XE rates into customer-facing pricing, the currency rate freshness directly affects the quality of the rates presented to customers and the accuracy of the margins being applied. Historical rate data is available going back many years, enabling retrospective financial calculations and reporting. Nigerian companies preparing financial statements under IFRS, which requires foreign currency transactions to be recorded at transaction-date exchange rates, can use XE historical rates to retrieve the rate that applied on any specific past date. This historical accuracy is critical for audit compliance where the company must be able to substantiate the exchange rates used in financial reporting. The convert endpoint performs currency conversions using XE rates, accepting source currency, target currency, and amount. For applications where only the converted amount is needed rather than the underlying rate, this endpoint simplifies implementation. The API also supports retrieving rate information for a specific list of currency pairs rather than the full currency matrix, optimizing bandwidth for applications with defined currency requirements. XE Currency Data integrates with the full XE product ecosystem. Customers using XE for business money transfers can ensure their operational systems and their FX data layer are using consistent, source-consistent rates. For Nigerian companies that use XE for international payments alongside their own applications, this alignment eliminates discrepancies between system-calculated rates and actual transfer rates. The API is offered through paid subscription plans starting at accessible monthly rates for smaller usage volumes and scaling to enterprise contracts for high-volume financial applications. All plans include access to XE's trusted mid-market rates, historical data, and support from XE's team. Nigerian enterprises with specific data requirements or integration support needs can access dedicated account management through enterprise plans. The REST API uses API key authentication with JSON responses. Comprehensive documentation, SDKs for popular programming languages, and integration guides make implementation straightforward for Nigerian development teams building currency-aware financial applications across banking, fintech, trade finance, and ERP integration contexts.

34. Allawee Card Issuance API

Payments, Banking & Fintech

Allawee Card Issuance API is a Nigerian Banking-as-a-Service platform that enables fintech companies, microfinance institutions, and digital platforms to issue physical and virtual payment cards, create bank accounts, process transfers, and perform credit decisioning through a single API integration. Allawee provides the regulated infrastructure for card issuance and banking operations, allowing partner platforms to offer branded financial products without obtaining independent banking or card scheme licenses. Card issuance is the foundational capability of the Allawee platform. Partner applications can issue Mastercard or Verve physical cards linked to customer accounts through the API, enabling customers of the partner platform to receive a physical payment card they can use at POS terminals, ATMs, and online merchants across Nigeria and globally where the card scheme is accepted. Physical card issuance involves card personalization (embossing customer name and card details), printing, and delivery to customer addresses, all manageable through API calls that initiate the card production and fulfillment workflow. Bank account creation through Allawee enables partner platforms to create functional Nigerian bank accounts for their customers, complete with a NUBAN (Nigerian Uniform Bank Account Number) that is compatible with all Nigerian interbank transfer systems including NIP (NIBSS Instant Payment). Customer accounts created through Allawee can receive inbound transfers from any Nigerian bank and initiate outbound transfers to any Nigerian bank account, providing full interbank connectivity through a single BaaS API integration. Spend controls in the Allawee Card API allow partner platforms to set per-transaction limits, daily spending limits, merchant category restrictions, and geographic restrictions on issued cards. A Nigerian fintech issuing employee expense cards can configure spending controls that prevent cards from being used at non-approved merchant categories. An agricultural platform issuing input finance cards can restrict spending to agricultural input supplier merchant categories, ensuring that financed funds are used for their intended purpose. Credit data decisioning from Allawee leverages transaction history and behavioral patterns on the platform to generate credit scores and lending signals that partner platforms can use for automated loan underwriting decisions. For Nigerian lending platforms that issue cards to their borrowers and want to build repayment history and credit profile data from card usage patterns, Allawee's credit decisioning API provides structured credit signals from the same ecosystem where the lending relationship operates. Tokenization support in the Allawee platform enables issued cards to be added to digital wallets (Apple Pay, Google Pay) by card holders, extending card usability to contactless mobile payments in addition to physical card and online payments. As contactless payment adoption grows among Nigerian consumers particularly in Lagos and other major cities, tokenization support adds a distribution channel for issued cards that increases their day-to-day utility. Dispute management through the Allawee API provides structured workflows for handling card transaction disputes — unauthorized transactions, merchant disputes, technical failures — that partner platforms can initiate programmatically when customers report problems. Automated dispute initiation reduces the manual operational burden of handling customer complaints about card transactions and provides systematic tracking of dispute status and resolution. The CBN regulatory compliance infrastructure behind Allawee means that partner platforms are leveraging a regulated entity's banking and card scheme relationships rather than needing to independently establish CBN licensing, Mastercard or Verve principal membership, and the capital requirements those entail. This significantly lowers the barrier for Nigerian fintechs to add card and banking features to their products, compressing the typical 12-24 month timeline for independent licensing into an API integration that can be completed in days or weeks.

35. Trove Finance API

Development Tools, Banking & Fintech

Trove Finance is a Nigerian investment and wealth management platform providing access to African financial market data. The Trove Finance API enables developers to integrate African stock market data, forex rates, commodity prices, and investment portfolio tools into applications. Nigerian fintech platforms, investment advisors, and trading applications use Trove Finance API to provide real-time African market data and investment analytics to Nigerian investors.

36. eTranzact

Banking & Fintech, Payments

eTranzact International Plc is one of Nigeria's oldest and most established fintech companies, listed on the Nigerian Stock Exchange (NSE). Founded in 2003, eTranzact has been a foundational player in Nigeria's digital payments ecosystem — predating Paystack, Flutterwave, and most modern Nigerian payment gateways by over a decade. The company offers a suite of enterprise API products designed for banks, telcos, financial institutions, and government agencies. Developer documentation is available at developers.etranzactng.com. What the API Does eTranzact offers six primary API products: (1) SwitchIT — a bill payment API for utility, airtime, and service payments; (2) Virtual Account Service — for issuing and managing virtual bank account numbers; (3) AntPeer — loan mandate setup and automated repayment collection for digital lenders; (4) Instant Transfer — real-time interbank fund transfers via NIP; (5) e-Invoicing API — generating FIRS-compliant electronic invoices for tax compliance; (6) WaaS (Wallet-as-a-Service) — embedding wallet functionality into third-party applications. How Developers Use It Developers access the portal at developers.etranzactng.com for documentation and API reference. Authentication is via API key from the developer portal. eTranzact is an enterprise provider — onboarding typically requires a formal integration agreement rather than self-service signup. A sandbox environment is available for testing. Pricing Enterprise pricing only — not publicly listed. eTranzact targets institutional clients with contracts negotiated based on integration type, transaction volume, and product combination. Contact eTranzact for pricing. Compliance eTranzact is CBN-licensed and operates under CBN payment system regulations. As an NSE-listed company, it is subject to SEC regulations and public reporting requirements — providing institutional clients with a high level of corporate accountability and transparency. Challenges and Gotchas (1) Not a self-service platform — enterprise onboarding required. (2) Documentation is less accessible than Paystack or Flutterwave. (3) Primarily institutional focus — not designed for individual developers or small startups. (4) Pricing requires sales engagement. (5) Product suite is broad but each product may require a separate integration agreement. Company Background eTranzact International Plc was incorporated in 2003 and is headquartered in Lagos. It is listed on the Nigerian Stock Exchange and serves over 200+ banks and financial institutions across Nigeria and Africa. The company has expanded into Ghana, Zimbabwe, and other African markets. Its longevity and stock exchange listing make it one of the most trusted institutional payment infrastructure providers in Nigeria. FAQs Q: Is eTranzact publicly listed? A: Yes. eTranzact International Plc is listed on the Nigerian Stock Exchange. Q: Can a startup integrate eTranzact independently? A: eTranzact is primarily enterprise-focused. Small startups should consider Paystack or Flutterwave as more accessible alternatives. Q: Does eTranzact support loan mandate processing? A: Yes. The AntPeer product handles loan mandate setup and automated repayment debit for digital lenders and microfinance banks. Q: What is WaaS? A: Wallet-as-a-Service — an API that lets third-party apps embed NGN wallet functionality without building their own wallet infrastructure. For Nigerian enterprises and large organizations, eTranzact's position as a publicly listed company on the Nigerian Stock Exchange provides a level of transparency and financial accountability that private fintech providers cannot match. Annual financial reports, board governance, and shareholder accountability create institutional confidence for Nigerian banks, government agencies, and large corporations selecting payment infrastructure partners for critical financial operations. NIBSS NIP integration through eTranzact enables real-time instant payment transfers between Nigerian bank accounts, settled within seconds. For enterprises running high-value payment operations — salary disbursements, vendor settlements, inter-company transfers — access to the NIP instant payment rail through eTranzact's regulated infrastructure ensures funds reach recipients immediately rather than in batch settlement windows. eTranzact's long-standing position as a NIBSS-licensed institution provides direct connectivity to Nigeria's core payment clearing infrastructure. The PTSA (Payment Terminal Service Aggregator) license held by eTranzact allows the company to aggregate POS terminal services and provide terminal deployment, management, and transaction routing for merchants. Nigerian businesses deploying POS infrastructure — retail chains, hotels, supermarkets, service businesses — can use eTranzact as their PTSA for terminal provisioning and ongoing support. This physical payment infrastructure layer complements eTranzact's digital API services for businesses managing both in-person and online payment channels.

37. GT Pay (GTPay)

Payments, Banking & Fintech, Development Tools

GTPay is the online payment gateway from Guaranty Trust Bank (now Guaranty Trust Holding Company — GTCo), one of Nigeria's largest and most recognized tier-1 banks. GTPay enables Nigerian merchants to accept card payments online from customers using Interswitch (Verve), Visa, and Mastercard — both locally issued and international cards. The gateway is backed by GTBank's banking infrastructure and has been serving Nigerian e-commerce merchants since the early days of online payments in Nigeria. What GTPay Does GTPay processes card-present-not-required (CNP) transactions for online merchants, collecting payment from customers and settling into the merchant's GTBank business account. The gateway supports NGN (currency code 566) and USD (currency code 840) transactions, making it usable for both local NGN e-commerce and international USD billing. How Developers Use It Developers obtain a Merchant ID and Hash Key by physically visiting any GTBank branch nationwide and registering as a GTPay merchant. After registration, integration is done using the technical parameters documented at ibank.gtbank.com/gtpay/IntegrationAPI/mman-tech.html. Key parameters include: gtpay_mert_id (merchant identifier), gtpay_tranx_id (unique transaction ID from merchant), gtpay_tranx_amt (amount in kobo or cents), and gtpay_tranx_curr (ISO currency code — 566 for NGN, 840 for USD). The Hash Key is used to generate a transaction hash for request signing. Pricing Local card transactions: 1.5% fee capped at ₦2,000. Contact GTBank for the full fee schedule including international card rates. Authentication Merchant ID and Hash Key pair obtained from GTBank branch. Transactions are signed using the Hash Key to generate a security hash that GTBank validates before processing. Compliance GTPay is operated by Guaranty Trust Bank (CBN-licensed), ensuring full CBN compliance for all payment processing. PCI DSS compliant for card data handling. Important Note on Legacy Status GTCo (formerly GTBank) has since launched Squad (squadco.com) as their modern, developer-first payment platform under HabariPay Limited. Squad offers a comprehensive REST API with sandbox, webhooks, virtual accounts, and full documentation. For new integrations, Squad is the recommended modern alternative to GTPay. GTPay remains operational for existing merchants. Challenges and Gotchas (1) Merchant registration requires a physical GTBank branch visit — not self-serve online. (2) GTPay is a legacy product — documentation is older and less comprehensive than modern gateways. (3) No bank transfer, USSD, or recurring billing support. (4) Integration is form-post based rather than modern REST JSON API. (5) New projects should seriously consider Squad (HabariPay) instead. FAQs Q: How do I get a GTPay Merchant ID? A: Visit any GTBank branch nationwide with your business documents to register as a GTPay merchant. Q: Is GTPay still active? A: Yes, GTPay remains operational for existing merchants but GTCo's newer platform Squad is the recommended modern alternative. Q: Does GTPay support USSD or bank transfer? A: No. GTPay only supports card payments (Interswitch/Verve, Visa, Mastercard). Q: What currencies does GTPay support? A: NGN (566) and USD (840). GTPay's backing by Guaranty Trust Bank (GTBank) — consistently ranked among Nigeria's top tier-1 banks — provides GTPay merchants with the financial security and institutional credibility that bank-affiliated payment infrastructure carries. For Nigerian businesses where their payment gateway provider's financial stability is a selection criterion — particularly for merchants holding float or awaiting settlement — a bank-affiliated gateway provides assurance that is difficult for independent fintech providers to match. The settlement process for GTPay transactions credits merchant accounts within GTBank's settlement cycle, with same-day or next-day settlement available for GTPay merchants who also hold GTBank business accounts. This tight integration between payment gateway and bank account reduces settlement float and simplifies reconciliation for merchants whose primary banking relationship is with GTBank, one of the largest retail and commercial banking relationships in Nigeria.

38. NGX Data Portal

Banking & Fintech, Trading & Currency Exchange

NGX Data Portal is the official market data API provided by the Nigerian Exchange Group (NGX) — Nigeria's primary securities exchange — giving developers, financial technology companies, investment platforms, and fintech startups access to real-time and historical equities data, market indices, trading statistics, and capital market information directly from the authoritative source. For Nigerian financial applications that need reliable, official stock market data, the NGX Data Portal is the most legally authoritative source available, directly supplying the data that underlies Nigeria's capital markets. Equities data from the NGX Data Portal covers all companies listed on the Nigerian Exchange, including those on the Main Board, Growth Board, and Alternative Securities Market (ASeM). For each listed company, the API provides current day trade data: last traded price, opening price, daily high and low, trading volume, total deal count, and market capitalization. This comprehensive intraday snapshot enables Nigerian investment apps to display accurate, current stock information to retail investors building their portfolios on Nigerian equities like Dangote Cement, MTN Nigeria, Zenith Bank, Access Holdings, and other major NGX-listed companies. The NGX All-Share Index (ASI) and sector indices are accessible through the portal, providing the benchmark indices against which Nigerian portfolio performance is typically measured. The ASI is Nigeria's headline stock market indicator, widely reported in Nigerian financial media and used by fund managers, institutional investors, and retail investors to gauge overall market direction. Sector indices — Banking, Insurance, Oil and Gas, Consumer Goods, Industrial — allow sector-level analysis for Nigerian investment platforms offering sector-focused portfolio tools or thematic investment recommendations. Historical price data through the NGX Data Portal enables backtesting of investment strategies, computing of long-run returns for NGX-listed stocks, analysis of historical volatility, and construction of financial models for Nigerian securities. Academic researchers at Nigerian universities, investment analysts at stockbroker firms, and quantitative finance professionals can use the historical data to build evidence-based investment research and analysis. End-of-day (EOD) data snapshots capture each trading day's final prices, volumes, and statistics for all listed securities, providing a daily record for tracking portfolio positions, computing daily returns, and maintaining a database of Nigerian securities prices. Wealth management platforms and portfolio tracking apps serving Nigerian investors need reliable EOD data to compute accurate daily portfolio valuations and track performance over time. Corporate actions data including dividends, rights issues, bonus issues, and stock splits is available through the NGX Data Portal, enabling investment apps to accurately adjust historical price series for corporate actions and show investors the true total return history of their holdings — accounting for cash dividends received and bonus shares credited over the holding period. The NGX Data Portal operates on a freemium model with a free tier for basic market data access and paid commercial licenses for real-time streaming data, higher request volumes, and redistribution rights. Nigerian regulated financial services businesses that publicly display NGX data in their platforms may need a formal data licensing agreement with NGX. Developers can register for a free API key on the NGX Data Portal developer section and begin accessing market data immediately for testing and development purposes.

39. FCMB Open Banking API

Banking & Fintech, Development Tools

FCMB (First City Monument Bank) provides Open Banking APIs enabling account linking, transaction history, and bank data access. FCMB was an early open banking participant in Nigeria. Nigerian fintechs use FCMB Open Banking APIs for account connectivity and data access.

40. Pngme API

Banking & Fintech, Development Tools, Payments

Financial data API platform that aggregates African financial data for developers and fintechs. Pngme provides access to bank transaction data, mobile money data, and financial insights across Nigeria and African markets. Enables credit scoring, risk assessment, and alternative credit building for underbanked populations.

41. Sudo Africa Cards & Accounts API

Banking & Fintech, Development Tools

Sudo Africa Cards and Accounts API is a pan-African Banking-as-a-Service platform that enables fintech companies, startups, and financial service providers across Africa to issue virtual and physical payment cards, create multi-currency bank accounts, and build card-based financial products without requiring independent bank or card scheme licensing. Sudo Africa provides the regulatory infrastructure and card scheme relationships that allow technology companies to offer branded financial products as a service layer on top of Sudo's licensed banking infrastructure. Virtual card issuance is the core product of Sudo Africa. Partner applications can programmatically create virtual Mastercard cards linked to customer accounts or corporate budgets, generating card numbers, expiration dates, and CVV codes that customers can use immediately for online purchases without waiting for physical card delivery. Virtual cards are particularly suited to use cases where immediate availability is important: online subscription payments, international online shopping, e-commerce checkout, and API-to-API payment scenarios where a card credential is needed but no physical card is required. Physical card issuance is also supported through the Sudo Africa API, enabling partner platforms to issue plastic Mastercard cards that are personalized, printed, and delivered to customer addresses. Physical cards extend card utility to POS terminal payments and ATM cash withdrawal in addition to online use. For neobanks, digital savings platforms, and fintech companies building consumer banking products, physical card issuance transforms a digital-only product into a full banking experience that customers use in everyday physical commerce. Spending controls are a critical feature for corporate card and expense management use cases. The Sudo Africa API allows setting per-transaction amount limits, daily spending limits, merchant category code (MCC) restrictions, and geographic restrictions at the card level. A Nigerian corporate expense management platform can issue employee cards with category restrictions that prevent purchases outside approved expense categories — limiting cards to business travel, approved vendor categories, or business expenses — while allowing flexibility within those categories. Multi-currency account support enables Sudo Africa partners to create both NGN and USD accounts for their customers. USD accounts allow Nigerian platform customers to hold and transact in US dollars, which is valuable for Nigerian businesses and individuals managing international payments, receiving USD income, or maintaining foreign currency savings. The ability to hold both naira and dollar balances through a single platform relationship provides currency flexibility without requiring customers to maintain accounts at multiple institutions. Real-time authorization webhooks notify partner platforms of every card transaction as it occurs, enabling platforms to implement transaction-level monitoring, fraud detection, and spending alerts. When a customer's Sudo-issued card is used at any merchant, the partner platform receives an immediate webhook event containing transaction details — merchant name, amount, category, location — that it can use to power real-time spending notifications, dashboard updates, and automated compliance checks. Card lifecycle management through the Sudo API covers the full card lifecycle: creating cards in inactive state, activating them, freezing and unfreezing (for customer-initiated temporary holds or security responses), and permanently cancelling cards. This programmatic lifecycle control allows partner platforms to implement security features like instant card freeze in response to customer theft reports without requiring interaction with a call center or physical card replacement timelines. Sudo Africa operates across multiple African markets beyond Nigeria, making it suitable for fintech platforms building pan-African financial products that need card and account infrastructure in multiple countries from a single API relationship. This multi-country coverage reduces integration complexity for African fintechs expanding to multiple markets compared to establishing separate banking infrastructure relationships in each country.

42. NGX Pulse API

Banking & Fintech, Trading & Currency Exchange

NGX Pulse is the Nigerian Exchange Group market data and analytics platform providing real-time trading alerts, market news, and intelligence. The NGX Pulse API enables developers to integrate NSE market data, trading signals, and market analytics into applications. Nigerian fintech, trading, and investment platforms use NGX Pulse API for real-time market intelligence, price alerts, and portfolio tracking with curated market insights.

43. PalmPay API

Development Tools, Banking & Fintech

Digital bank and money operator API for Nigerian merchants and resellers. Provides payment processing, VTU (airtime/data), bill payments, utilities, and financial services integration. Built specifically for African markets with focus on accessibility and merchant growth.

44. NIBSS Interbank Settlement API

Banking & Fintech, Development Tools

The NIBSS (Nigeria Inter-Bank Settlement System) API provides access to real-time interbank payment settlement, instant transfer (InstaPay), and bank connectivity services. NIBSS operates Nigeria critical national payment infrastructure handling trillions of naira in daily transactions. The NIBSS API enables banks, fintech platforms, and payment processors to originate and settle interbank transfers, manage liquidity, and participate in Nigeria payment network. Nigerian fintech, payment platforms, and licensed financial institutions use NIBSS APIs for core payment settlement functionality.

45. Access Bank API

Banking & Fintech, Development Tools

Commercial bank API for Payment & Collection services with partner integrations. Access Bank provides banking APIs primarily through partnerships and aggregator platforms (Paystack, Flutterwave) or via internal partner portals. Direct public API access requires partnership approval or sponsorship. Supports open banking elements for approved partners.